Banking That Has Your Back
Scroll to the bottom for details on SpotMe¹, early pay day², fees³ & Annual Percentage Yield⁴.
Learn how we collect and use your information by visiting our Privacy Notice
Chime is an award-winning mobile banking app and debit card
Fee-free overdraft up to $100 for eligible members¹
Get paid up to 2 days early with direct deposit²
No hidden bank fees³
0.50% Annual Percentage Yield (APY)⁴ on optional Savings Account— 10X⁵ the national average!
Signing up takes 2 minutes
350,000+ 5-Star app reviews
Fee-free Overdraft
Traditional banks took $11 Billion in overdraft fees in 2019.⁷ At Chime, we do things differently. We will allow you to overdraw up to $100¹ on debit card purchases without charging a fee.
Get your paycheck early
Set up Direct Deposit and receive your paycheck up to 2 days earlier than your co-workers!²
Say goodbye to unnecessary bank fees.
No overdraft fees. No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees. Over 38,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs.³
Make your money grow fast.
0.50% Annual Percentage Yield (APY)⁴. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.
Security and control on the go.
Chime’s mobile app makes branchless banking a breeze. Manage your money and account on the go, wherever you go.
Your funds are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Shop worry-free at millions of merchants. Chime debit cards are protected by the Visa Zero Liability.⁶ Policy to ensure that cardholders will not be responsible for unauthorized charges.
Over 38,000 fee-free ATMs and 30,000 cash-back locations.
Real-time alerts for every banking transaction.
Automatic Savings takes the effort out of saving.
No minimum, monthly, or overdraft fees.